{
  "checked_at": "2026-10-01",
  "kind": "model",
  "inputs": {
    "purchases_per_year": 12,
    "purchase_value_czk": 10000,
    "eur_czk": 25,
    "usd_czk": 23,
    "commission_rate": 0.0005,
    "commission_min_eur": 3,
    "manual_fx_rate": 0.00002,
    "manual_fx_min_usd": 2,
    "auto_fx_rate_typical": 0.0003
  },
  "annual_volume_czk": 120000,
  "rows": [
    {
      "id": "manual_monthly",
      "label": "Ruční směna každý měsíc",
      "conversion_count": 12,
      "commission_czk": 900,
      "fx_czk": 552,
      "condition": "Měsíčně dostupných 10 000 Kč",
      "total_czk": 1452
    },
    {
      "id": "manual_upfront",
      "label": "Jedna ruční směna předem",
      "conversion_count": 1,
      "commission_czk": 900,
      "fx_czk": 46,
      "condition": "120 000 Kč k dispozici předem",
      "total_czk": 946
    },
    {
      "id": "auto_monthly",
      "label": "Auto FX při každém nákupu",
      "conversion_count": 12,
      "commission_czk": 900,
      "fx_czk": 36,
      "condition": "Pouze pro způsobilý účet a pokyn",
      "total_czk": 936
    }
  ],
  "exclusions": [
    "spread",
    "TER",
    "taxes",
    "sell",
    "withdrawal",
    "custody",
    "bank fees",
    "FX moves",
    "cash return"
  ],
  "sources": [
    {
      "title": "IBIE: Germany Fixed SmartRouting, celé kusy",
      "url": "https://www.interactivebrokers.ie/en/pricing/commissions-stocks.php"
    },
    {
      "title": "IBIE: ruční a automatická měnová konverze",
      "url": "https://www.interactivebrokers.ie/en/pricing/commissions-spot-currencies.php"
    }
  ],
  "historical_index": "Base nine scenarios match the 2026-09-29 index. This supplement is separate and does not change historical index inputs."
}